Automated Retirement Income Planning Tool

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Automated Retirement Income Planning Tool

Inspired by a conversation on:

HerMoney with Jean Chatzky

HerMoney with Jean Chatzky

Your Money Map Replay: Is Retirement Really in Crisis? What The Data Says with Andrew Biggs

Host: Jean Chatzky

Timestamp: 00:23:27 - 00:24:25

Listen to Episode • View Podcast • All Ideas from HerMoney with Jean Chatzky

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Direct Quote

"Purchasing an annuity can help solve both those problems."

Market Gap

Many retirees struggle to manage their retirement income effectively.

As retirees transition from saving to spending, they often face difficulties in managing their finances, particularly in determining how much they can withdraw from their retirement savings without running out of funds. This decumulation phase is complex and requires careful planning. Currently, many retirees are unaware of their options for converting lump sums into regular income streams, such as through annuities. Without the right tools, they risk underutilizing their savings, leading to financial stress during retirement. Moreover, the current retirement planning landscape lacks automated solutions that can simplify this process, making it accessible for all retirees.

Summary

The idea is to develop an automated retirement income planning tool that helps retirees manage their decumulation phase. This tool would allow users to input their savings, expected expenses, and retirement goals to generate a personalized withdrawal strategy. It would include options for converting lump sums into annuities to ensure a steady income stream throughout retirement. The target audience would be retirees and pre-retirees who want to ensure they can maintain their lifestyle without the fear of outliving their savings. By utilizing data from current retirement plans and automated algorithms, this tool could simplify financial decision-making and enhance confidence in retirement income management.

Categorization

Business Model
SaaS
Target Founder
Technical
Difficulty
Medium
Time to Revenue
3-6 months
Initial Investment
$1,000-$10,000

Potential MRR (18-24 months)

Conservative
$3,000 - $5,000 MRR
Moderate (Most Likely)
$10,000 - $20,000 MRR
Optimistic
$30,000 - $50,000 MRR

* Estimates assume solo founder/bootstrap scenario with competent execution

Scores

Clarity
8/10
Novelty
7/10
Feasibility
7/10
Market Potential
8/10
Evidence
7/10
Overall
7.4/10
Found on September 26, 2025 • Analyzed on September 26, 2025 10:19 AM

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How should I validate this saas idea before building it?

2:34 PM

Great question! For a saas idea like this, I'd recommend starting with these validation steps:

  1. Customer interviews: Talk to Technical to understand their pain points
  2. MVP approach: Build a simple landing page to test demand
  3. Competitor analysis: Research existing solutions and identify gaps

Would you like me to help you create a specific validation plan for your medium difficulty idea?

2:35 PM

Yes, and what about the technical implementation? Should I build this myself or hire a team?

2:36 PM

Based on your idea's complexity and 3-6 months, here's my recommendation:

Technical Strategy:

  • Start with no-code tools for rapid prototyping
  • Consider your technical background and available $1,000-$10,000
  • Plan for scalability from day one

I can help you create a detailed technical roadmap and resource allocation plan...

2:37 PM

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